Hello, take a look at the specific regulations: at present, the loan interest rate pricing of rural credit cooperatives can be summarized into the following five categories: \ x0d \ x0d \ 1, policy pricing: the planting industry and agricultural and sideline products processing industry, which are mainly concentrated in some poverty alleviation loans, national student loans and farmers' entrepreneurship guarantee fund loans, all implement the benchmark interest rate, accounting for a relatively low proportion in rural credit cooperatives loans. \ x0d \ x0d \ 2。 Benefit pricing: mainly for loans from ordinary farmers, individual industrial and commercial households and small and medium-sized private enterprises. The interest rate of such loans is relatively high, and rural credit cooperatives generally rise by more than 50%. Moreover, such loans account for a relatively high proportion in rural credit cooperatives and are the main source of interest income of rural credit cooperatives. \x0d\\x0d\3。 Competitive pricing: Gold customers mainly concentrated in service areas are loans actively marketed by rural credit cooperatives. Generally speaking, these enterprises are large in scale, strong in strength, good in efficiency, strong in liquidity and large in settlement of funds, and they are also the targets of financial institutions. Generally, the loan interest rate of these enterprises does not rise but falls. \x0d\\x0d\4。 Preferential pricing: mainly for loans pledged by certificates of deposit of rural credit cooperatives or other financial institutions, loans pledged by bank acceptance bills, and shares of rural credit cooperatives that are much larger than the loan amount. The interest rate of such loans generally does not rise by more than 20%, which is commonly known as the "preferential interest rate". \x0d\\x0d\5。 Market-oriented pricing: generally, the interest rate of such loans is not fixed, and it is adjusted at any time with the change of market conditions, mainly discounted by bank acceptance bills. \x0d\\x0d\ What is a micro-credit loan for farmers? \x0d\\x0d\ A: Micro-credit loans for farmers are loans granted by credit cooperatives within the approved quota (that is, less than 20,000 yuan) and time limit according to the credit status of farmers, the actual situation of credit cooperatives and the local economic development level. \ x0d \ x0d \ What conditions should a borrower meet? \x0d\\x0d\ A: Farmers' micro-credit loans must meet the following conditions: \x0d\ 1. Farmers or individual farmers in the community have full capacity for civil conduct. \x0d\2。 Strong credit concept and good credit status. \x0d\3。 Engaged in land cultivation or other planting and breeding business activities in line with national industrial policies, and obtained reliable income. \x0d\4。 A family must have a labor force that understands production or management capabilities. \ x0d \ x0d \ What are the provisions on the use and arrangement order of farmers' micro-credit loans? \ x0d \ x0d \ A: The purpose and sequence of farmers' micro-credit loans are: \x0d\ 1, which are used for loans for agricultural production expenses such as planting and aquaculture, and loans for fertilizers, pesticides, seedlings, seeds and feed. \x0d\2。 Personal and private loans for agricultural production. \x0d\3。 Loans for agricultural machinery, such as cattle, pumps, threshers and other small agricultural machinery. \x0d\4, small-scale irrigation and water conservancy capital construction loans. \x0d\\x0d\ What are the procedures for granting micro-credit loans to farmers? \x0d\\x0d\ A: The granting procedure of micro-credit loans for farmers is \x0d\ 1. Farmers apply for loans from credit cooperatives. \x0d\2。 Credit officers investigate farmers' demand for production funds and household income, grasp the borrower's credit status, and put forward preliminary opinions. \x0d\3。 The credit rating team will determine the loan amount and issue the loan certificate according to the information provided by the credit personnel. \x0d\4。 With the loan certificate, farmers can apply for loans to credit cooperatives in one lump sum or in stages within the approved quota. \ x0d \ x0d \ How is the amount of micro-credit loans for farmers approved? \x0d\\x0d\ A: The amount of micro-credit loans for farmers is determined according to the credit rating of farmers. When evaluating the credit rating and credit line, the rating should be based on the opinions of local credit personnel or representatives of prestigious members and the information provided by the village Committee, and different loan lines should be approved according to different grades. The maximum amount is 20,000 yuan. \x0d\\x0d\ How many credit ratings do farmers have? What is their rating standard? What is the credit loan amount for each grade? \x0d\\x0d\ A: The standard of farmers' credit rating is divided into four grades: excellent, good, average and poor. \x0d\ 1。 The standard of "excellent" grade is: \ x0d \ (1) There are no outstanding loans or all loans due have been paid off. \ x0d \ 2 The annual per capita net income of a family is more than 2,000 yuan. \ x0d \ (3) Self-owned funds account for 50% of the funds needed for production. \x0d\2。 The standard of "good" grade is: \ x0d \ (1) has a stable and reliable income source, the outstanding loan balance is less than 3,000 yuan, and the interest can be paid off on schedule. \ x0d \ 2 The annual per capita net income of a family is between1000-2,000 yuan. \x0d\3。 The standard of "general" level is: \ x0d \ (1) The family has basic labor force, and the annual per capita net income of farmers is below 654.38+10,000 yuan. \ x0d \ (2) If the loan owed is less than 2,000 yuan, the interest of the previous year will not be defaulted. \x0d\4。 The grading standard of "poor" is: \ x0d \ (1) families have basic labor force, but they are not good at management. \ x0d \ 2 The annual per capita net income of the family is around 500 yuan, the loan balance is below 1000 yuan, and the interest of the previous year has not been paid off. \x0d\5。 Credit lines at all levels: "excellent" is 20,000 yuan, "good" is 10000 yuan, "ordinary" is 5,000 yuan, and "poor" letters of credit will not be opened for the time being. \x0d\\x0d\ How should farmers apply for loans after they get the loan certificate? \x0d\\x0d\ A: When farmers need a loan after receiving the letter of credit, they can apply for a loan with the loan certificate, ID card or household registration book. Credit cooperatives will issue loans in one lump sum or in installments according to the amount and duration of farmers' credit loans, or the loan personnel will issue them directly to farmers' homes according to farmers' requirements, and fill in the IOUs one by one. The loan interest shall be calculated from the date when the IOU is issued. \ x0d \ x0d \ What is the term and interest rate of farmers' micro-credit loans? \x0d\\x0d\ A: Micro-credit loans for farmers depend on the production and operation cycle of farmers, and in principle, they shall not exceed three years. The loan interest rate is based on the benchmark loan interest rate published by the People's Bank of China, and the interest settlement method is the same as that of ordinary loans, and the interest is settled once a month (quarterly). \x0d\\x0d\ Is the household head system applied to the micro-credit loans of farmers? What other rules are there? \x0d\\x0d\ A: Small-scale credit loans for farmers are based on households, and each household can only apply for one small-scale credit loan certificate. In addition, there are the following provisions: \x0d\ 1. Farmers may not use other people's name loans or cross-regional multi-head loans. \x0d\2。 The loan certificate shall not be leased, lent or transferred. If found, it will cancel the qualification of microfinance. \x0d\3。 After the loan is issued, farmers should consciously accept the advice of credit personnel, or check and conscientiously implement the provisions of the loan contract. Shall not default on the loan principal and interest or transfer the loan purpose at will. In case of violation, the credit cooperatives may stop issuing new loans and forcibly recover the loans already issued. \x0d\ If you are satisfied, remember to adopt it. Thank you!